It is not the accuracy of the simulator that is the issue. It is the very restrictive nature of what you can input, and thus project.
The entire issue of the simulator is that the FICO scoring agorithms are tightly-guarded trade secrets,
They will only go so far as to give you general projections over periods of time, but never immediate projections on current data in all categories.
To do this would subject them to reverse engineering of their scoring algorithms. That wont happen.
When you input anything into one category in the simulator, that assumes that all other categories are static. The real world does not work that way.,
It is a tool of what woulkd be your best action, and is very useful. But it is not a precise score simulator.
